At D91 we aim to understand the financial journeys of last-mile customers. We are an open-source research community. Built by @Setu_API.
Bengaluru, India
Joined June 2019
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๐คBanks, NBFCs, and fintechs can now co-lend to deliver affordable credit beyond priority sector loans. Read our latest blog to learn more about the draft RBI co-lending regulation ๐ tinyurl.com/y6j58xx5
๐ค ๐๐ก๐ฒ ๐ฐ๐๐ฌ ๐ญ๐ก๐ข๐ฌ ๐ซ๐๐ ๐ฎ๐ฅ๐๐ญ๐ข๐จ๐ง ๐ง๐๐๐๐๐?
โช๏ธ Current regulations allowed limited players
โช๏ธ Co-lending has evolved beyond priority sector to personal and consumption loans
โช๏ธ Need for affordable interest rates for underserved segments
Fraud in digital lending isn't just about lost moneyโit erodes trust and slows innovation. How are lenders staying ahead of evolving fraud tactics? ๐ก๏ธ
Dive into our blog to explore the strategies shaping the future of fraud prevention: d91labs.substack.com/p/outsmโฆ
Key trends in fraud prevention:
๐ก๏ธ AI tools: Smarter document validation & predictive analytics.
๐ Collaboration: Centralized fraud registries & shared insights.
๐ Cybersecurity: Blockchain & multi-factor authentication redefine trust.
The big challenge? Balancing robust fraud defenses with a seamless borrower experience. If you work in digital lending, how do you navigate this? We'd love to hear your thoughts!
#DigitalLending #FraudDetection #FinTech #Innovation
๐กFraud in Digital Lending: Mapping the Risks Lenders Face
India reported โน11,000+ crore in cyber fraud losses in the first 9 months of 2024. ๐
While illegal loan apps dominate headlines, the lenderโs perspective is rarely explored. ๐งต
๐Read our latest blog on this:
๐ก As part of the D91 Labs Inner Circle, Devyani Parameshwar and @raghavb from Mera Kal explore how leveraging life insurance can unlock affordable credit for underserved households. ๐ d91labs.substack.com/p/transโฆ
With 400 million active policies, life insurance is a trusted but underutilized asset. Instead of being surrendered at a loss, these policies can be leveraged as scalable credit solutions, enabling liquidity and building credit profiles.
Fintech plays a key role in this transformation, enabling seamless, real-time credit journeys through innovative solutions. The potential to drive financial inclusion is massive. ๐ #Fintech #FinancialInclusion #D91Labs #InnerCircle #MeraKal #Credit #LifeInsurance
๐๐ข๐ ๐ฒ๐จ๐ฎ ๐ค๐ง๐จ๐ฐ 78% ๐จ๐ ๐๐ง๐๐ข๐'๐ฌ ๐๐ฅ๐๐๐ซ๐ฅ๐ฒ ๐ฉ๐จ๐ฉ๐ฎ๐ฅ๐๐ญ๐ข๐จ๐ง ๐๐จ๐ง'๐ญ ๐ก๐๐ฏ๐ ๐ญ๐ก๐ ๐๐ข๐ง๐๐ง๐๐ข๐๐ฅ ๐ฌ๐๐๐ฎ๐ซ๐ข๐ญ๐ฒ ๐ญ๐ก๐ซ๐จ๐ฎ๐ ๐ก ๐ฉ๐๐ง๐ฌ๐ข๐จ๐ง?
Our latest D91 Khata on Indiaโs pension landscape tells a story of both progress and persistent gaps.
With ๐๐ง๐๐ข๐โ๐ฌ ๐๐ฅ๐๐๐ซ๐ฅ๐ฒ ๐ฉ๐จ๐ฉ๐ฎ๐ฅ๐๐ญ๐ข๐จ๐ง ๐ฉ๐ซ๐จ๐ฃ๐๐๐ญ๐๐ ๐ญ๐จ ๐ญ๐ซ๐ข๐ฉ๐ฅ๐ ๐ญ๐จ 319 ๐ฆ๐ข๐ฅ๐ฅ๐ข๐จ๐ง ๐๐ฒ 2050, the need for a robust pension ecosystem is more urgent than ever. This requires focused efforts onย financial literacy,ย access, andย better product design.
Our parent fintech, @Setu_API , has ๐ข๐ง๐ญ๐๐ ๐ซ๐๐ญ๐๐ ๐๐๐ ๐๐จ๐ง๐ญ๐ซ๐ข๐๐ฎ๐ญ๐ข๐จ๐ง๐ฌ ๐ข๐ง๐ญ๐จ ๐๐ก๐๐ซ๐๐ญ ๐๐จ๐ง๐ง๐๐๐ญ.
Curious to learn more? Check out Setuโs blog for details. -
blog.setu.co/articles/nationโฆ